Luke W. Reynolds is Chief of
Outreach & Program Development at the Federal Deposit Insurance
Corporation (FDIC) headquarters in Washington, DC. He manages 15 staff
who work on national initiatives and research projects, including
overseeing the FDICs award-winning financial education program,
Money Smart. He managed the development, launch, and implementation
of the Money Smart for Young Adults curriculum, Money Smart
Podcast Network, and enhancement to other Money Smart
products, such as comprehensive revisions of the Money Smart
Computer-Based Instruction tool. Mr. Reynolds serves on the
interdivisional Underbanked Surveys Project Team, interdivisional
Alternative Dispute Resolution Steering Committee, co-managed the FDIC
Small Dollar Loan Pilot and serves on the editorial board for the
FDIC Consumer News publication.

Prior to his current position, he was the
FDICs Community Affairs Specialist in Southern California. He helped
financial institutions and community organizations understand ways to
bring the unbanked into the financial mainstream, shared best
practices for tools such as individual development account matched
savings programs and the IRS Volunteer Income Tax Assistance (VITA)
program, and provided technical assistance on CRA and fair lending
regulations. The launch of the outgrowth of one project, a small
business loan portal, made the Los Angeles Times. Mr. Reynolds
also served on the Executive Committee of the entity that organized the
VITA program throughout Los Angeles County. He promoted and supported
Money Smart, including by organizing and teaching or co-teaching
Train the Trainer sessions to over 600 potential instructors.

Earlier, Mr. Reynolds was a Commissioned
Bank Compliance Examiner in the FDIC's Detroit field office. Mr.
Reynolds was also a Large Bank CRA subject matter expert (SME). In this
role, he led or participated in the examination of large and small
institutions in rural, suburban, and urban communities in several
states, including problem banks.

He is the named author
of two law review articles (one on a provision of fair lending law and
the other on international trade law), the named co-author on three
FDIC Quarterly research articles (A Template for Success: The
FDIC's Small-Dollar Loan Pilot Program; Building Assets, Building
Relationships: Bank Strategies for Encouraging Lower-Income Households
to Save; and Banking on Financial Education), co-author of
the 2007 FDIC publication A Longitudinal Evaluation of the
Intermediate-term Impact of the Money Smart Financial Education
Curriculum upon Consumers Behavior and Confidence, and a
contributor to various other publications. Some of his work has been
printed or quoted in major publications. He has also taught workshops
for senior leaders in other countries on how to adapt the Money Smart
curriculum to develop a national financial education program.

Mr. Reynolds has been
recognized with numerous awards, including the FDICs Chairmans
Individual Excellence Award and a Commendation by the County of Los
Angeles. Mr. Reynolds, a native Oregonian, holds a baccalaureate degree
with High Distinction from Indiana University where he studied public
financial management and economics, a Juris Doctor (J.D.) degree from
Loyola Marymount University Law School in Los Angeles, and is a licensed
attorney in California and the District of Columbia. He served as Chief
Technical Editor of the Loyola of Los Angeles International Law
Review, and has been recognized for his pro bono work, which has
included litigation. Mr. Reynolds hobbies include long-distance
bicycling.